Standard Policy Excess Amounts

Cause

Excess Amount

Standard Policy Excess

£100

Escape Of Water

£250

For Policy claims please call 0344 854 2076

How to make a claim

If you are aware of an incident that might give rise to a claim or you need to make a claim, you must do the following as soon as possible: Call our claims helpline on 0344 854 2076 to report the incident.

Tell the police as soon as reasonably possible if something is lost or if you suspect theft or malicious damage.

Take all practical steps to get back any property which has been lost.

If we have asked you to fill in a claim form, send this back to us, with everything we have asked for, within 30 days of us sending it to you.

Immediately send us any written claim which is made against you, and give us full details of any verbal claims made against you.

Take reasonable action to protect the property from loss or damage.

You must not:

throw away, get rid of or destroy items that are damaged until we say so;

admit or deny responsibility for any incident; or

negotiate or settle any claims made against you by anyone else, unless we agree in writing that you can.

We can negotiate, defend or settle, in your name and on your behalf any claims made against you. We can also take legal action in your name but for our benefit to get back any payment we have made under this policy.

It is a condition precedent to the Insurer’s liability to pay any claim under the policy that you pay the premium.
If you do not pay the premium, the insurer will not be liable to pay any claims under this policy.